Siuslaw Bank

Siuslaw Bank is headquartered in Florence and is the 13^st largest bank in the state of Oregon. It is also the 1,995^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 121 employees at 10 locations. Siuslaw Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Siuslaw Bank FDIC Certificate # 19006 BankRate Report View Year Established 1964 Employees 121 Primary Regulator FDIC Assets and Liabilities Assets $326.37 million Loans $210.51 million Deposits $279.61 million Equity Capital $42.12 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $12.05 million Real Estate Owned $4.16 million Historic Data - March 2011 Assets $307.04 million Equity Capital $40.60 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $7.62 million Real Estate Owned $2.55 million Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.99% Return on Equity 7.59% Interest Income $3.29 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Siuslaw Bank had $16.22 million in non-current loans and owned real-estate with $46.1 million in equity and loan loss allowances on hand to cover it. This gives Siuslaw Bank a Texas Ratio of 35.18% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Siuslaw Bank increased slightly from 22.96% as of March 31, 2011 to 35.18% as of March 31, 2012, resulting in a negative change of 53.21%. This indicates that the balance sheet and financial strength for Siuslaw Bank has declined slightly in recent periods. Deposit Growth In the past year, Siuslaw Bank has increased its total deposits by $17.09 million, resulting in 6.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Siuslaw Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Siuslaw Bank has $326.36 million in assets with $46.1 million in equity, resulting in a capitalization level of 14.13%, which is excellent.

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